Disclaimer: The opinions of the guest are their own and not necessarily those of their employer

In this episode of Drip, Trickle, Flow, Flood, we sit down with our very first guest: longtime local banker Ria Van Weerdhuizen, who’s been helping individuals, small business owners, and families understand their money—and use it wisely—for nearly two decades.

This conversation is packed with approachable, real-world insights on how to build a strong financial team, why a real relationship with a local banker can be a game-changer, and how even small financial moves can turn into big momentum.

Whether you’re just starting your financial journey or juggling multiple income streams, this episode will help you see your bank, not just as a place to deposit checks, but as a partner in your Drip, Trickle, Flow, or Flood.

In this episode, we dig into:

• Why working with a local banker can offer you more support, insight, and flexibility
• Available accounts and tools folks can start with
• What is HELOC (home equity line of credit)?
• What to do when you don’t feel confident talking about money with financial professionals, and how to shift that
• How Ria turned a trickle into a flood with a real estate investment
• The power of showing up to your bank with a notebook full of questions, and owning your financial conversations
• Evaluating the risks and rewards of online-only banks

Resources:

Whatcom Dream Financial Literacy Courses

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Show Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip, Trickle, Flow, Flood, we dig into how the people in your life influence your mindset, your opportunities, and ultimately your money. This isn’t about surrounding yourself with billionaires on yachts. It’s cultivating a rich mindset—one rooted in curiosity, abundance, generosity, and forward thinking.

Whether you’re growing a business, shifting careers, building wealth, or just trying to think differently about money, your environment matters. The words you hear, the stories you absorb, and the people in your orbit all shape what you believe is possible.

In this episode, we dig into:

• What it actually means to have a “rich mindset” (and no, it’s not about money first)
• How your circle of friends and colleagues can lift, or limit, your financial growth
• The surprising impact of media, mentorships, and group chats on your money habits
• The power of intentional peer groups
• Why flexibility and freedom are often the real currency we’re chasing
• Simple ways to “upgrade” the conversations in your life and create space for financial growth

This episode is for anyone craving a little more inspiration, clarity, and intention around who they let influence their money mindset.

🎧 Listen in, then ask yourself: Who’s in your financial inner circle? And are they helping you drip, trickle, flow, or flood?

Liked the episode? Follow the show and drop a review. It helps us reach more people like you!

📩 For every drip of insight, trickle of wisdom, flow of ideas, and occasional flood of inspiration, subscribe to our newsletter:

https://driptrickleflowflood.substack.com/

In this episode of Drip, Trickle, Flow, Flood, we dive into the money conversations that happen (or don’t) within families.

We dig into:

• The (often avoided) conversations about money and family—and how our childhood shapes our financial mindset
• Tony’s experience running businesses with family, managing real estate with his parents, and what it’s like owning rental properties with his wife and brother
• Teaching kids about money early through simple but powerful exposure to money skills and entrepreneurship
• Why generational money beliefs still impact us—and how to handle conversations where your path (especially if you're a creative) might confuse or challenge your family

This podcast is for anyone who’s ever tiptoed around financial conversations with family—or wants to break that cycle and bring more openness (and wealth wisdom) into their household.

Liked the episode? Follow the show and drop a review—it helps us reach more people like you!

📩 For every drip of insight, trickle of wisdom, flow of ideas, and occasional flood of inspiration, subscribe to our newsletter: https://driptrickleflowflood.substack.com/

Disclaimer:

The information provided in this podcast is for informational and entertainment purposes only and should not be considered financial, investment, tax, or legal advice. The opinions expressed by the hosts and guests are solely their own and do not reflect the views of any companies or organizations they may be affiliated with.

Listeners should conduct their own research and consult with a qualified financial professional before making any investment or financial decisions. While we strive for accuracy, we do not guarantee that the information presented is complete, current, or applicable to your specific situation. Investing involves risk, including potential loss of principal.

By listening to this podcast, you acknowledge and agree that the hosts, guests, and producers are not responsible for any financial decisions you make based on the content discussed.

In this episode of Drip Trickle Flow Flood, we go into the myth of the starving artist and how creatives can shift from scarcity thinking to sustainable income. Whether you're a writer, screenwriter, poet, or daydreamer with a notebook full of ideas—this one's for you.

Melissa shares how she built a business around writing, from screenplays to romance novels, while Tony gets honest about navigating the freelance writing world, building confidence late in life, and finding joy.

You'll hear:

• Why the "starving artist" narrative needs to die
• How to treat your creativity like a business
• The difference between a hobby and a side hustle (and why both are valid!)
• Ways to diversify artistic income without "selling out"
• Why promoting your work doesn’t make you less of an artist
• The power of choosing your clients, rates, and creative priorities

🎧 If you're interested in how money flows into your life as a creative—and how to turn your art into income streams (without selling your soul)—give us a listen on any podcast platform.

Creativity and business are not mutually exclusive. You can write poems and get paid. You can self-publish and show up like a CEO. The flow begins when you stop thinking like a starving artist and start thinking like a business owner.

• Tony’s book A Wandering Mind
• Melissa’s Lockwood Universe book series
• Episode 2 on the 7 types of income streams
• Tony’s Website
• Melissa’s website
• Melissa on Instagram
• Tony in Instagram

Don’t miss a single drip. Subscribe for free and catch every trickle, flow, and flood of money wisdom as it lands.

Welcome to Episode 2 of Drip, Trickle, Flow, Flood hosted by Tony Moceri and Melissa Cassera. Whether you’re an employee, freelancer, entrepreneur, or investor, this podcast is all about how money moves into your life—and what you can do with it once it’s there.

In this episode, we dig into:

• The 7 core income streams that most people earn from—and why understanding them is the first step to building wealth.
• How each stream fits into the Drip, Trickle, Flow, Flood framework.
• Why stacking income streams over time creates stability and freedom.
• What to look for when evaluating your own streams (and where your next one might come from).
• How to start small, stay consistent, and build a strategy that supports your lifestyle and goals.

This podcast is for anyone who wants to stop relying on just one paycheck and start building a diversified financial life—one drip, trickle, flow, or flood at a time.

Also mentioned:

Tony's book - https://getbook.at/WanderingMind

Melissa's books: https://www.amazon.com/stores/Melissa%20Cassera/author/B0BRBNHBBL

Melissa's website: https://melissacassera.com/

Tony's website: https://tonymoceri.com/

Liked the episode? Follow the show and drop a review—it helps us reach more people like you!

For more real-talk money insights, behind-the-scenes stories, and exclusive content, subscribe to our newsletter: https://driptrickleflowflood.substack.com/

Welcome to the first episode of Drip, Trickle, Flow, Flood hosted by Tony Moceri and Melissa Cassera. Whether you’re an employee, freelancer, entrepreneur, or investor, this podcast is all about how money moves into your life—and what you can do with it once it’s there.

In this episode, we dig into:

• What Drip, Trickle, Flow, Flood actually means (Hint: It’s how money enters your life—and it’s probably happening right now).
• How your childhood money beliefs still shape your financial habits today.
• Tony’s early obsession with Monopoly and how it led to a lifelong strategy for financial independence.
• Melissa’s journey from money shame to money confidence (and how she used to literally avoid invoicing clients 😱).
• One “money rule” that drives both of us crazy—and why it might be holding you back.

Plus, the biggest financial myths that get passed down like bad family recipes (yes, we’re looking at you, “Skip the latte and you’ll be rich” advice).

This podcast is for anyone who wants to rethink their relationship with money, explore multiple income streams, and build a financial life that actually works for them.

Liked the episode? Follow the show and drop a review—it helps us reach more people like you!

For more real-talk money insights, behind-the-scenes stories, and exclusive content, subscribe to our newsletter: https://driptrickleflowflood.substack.com/